Noah Spitzer - Realty One Group - Encore

10/29/2026

The Housing Market Is Changing. Are You Ready

When there's fear in the market, there's often opportunity.

With home prices adjusting, buyers gaining negotiating power, and potential interest rate changes ahead, now could be an opportunity for first-time buyers, growing families, and those looking to downsize.

But here's the reality: Waiting for the perfect interest rate could mean missing out on the right home.

The housing market is never guaranteed, and the best decision isn't always about timing. It's about understanding your financial situation and having a plan.
Are you waiting for interest rates to drop, or are you looking to buy now?

10/28/2026

🏡 Is NOW the Time to Buy a Home?

When fear takes over the housing market, opportunity can emerge.

With buyers hesitant and sellers becoming more willing to negotiate, first-time homebuyers and those looking to upgrade may have more leverage than they realize.

Yes, mortgage rates are higher, but better deals, seller concessions, and increased negotiating power could create opportunities for the right buyer.

The key isn't timing the perfect market. It's recognizing opportunity when others are fearful.

Would you buy a home in today's market, or are you waiting?

10/27/2026

Is $350,000 becoming the new starting point for homebuyers?

With traditional home prices continuing to rise, manufactured and modular homes could offer a more affordable path to homeownership.

The challenge?
Getting approved for financing.

A new federal task force aims to explore ways to expand access to manufactured housing and improve eligibility for federal financing programs.

In some markets, a manufactured home with land and a permanent foundation could cost approximately $250,000–$300,000, offering buyers a potential alternative to traditional housing.

Could manufactured homes be part of the solution to America's housing affordability crisis?

10/26/2026

Could Trump's new housing executive order make buying a home more affordable in 2027?

One major proposed change is automatic PMI removal, which could save eligible homeowners $100 or more per month.

Instead of manually requesting PMI removal, Fannie Mae and Freddie Mac could use automated home valuations to identify qualifying homeowners and eliminate unnecessary insurance payments.

But there's a catch: Not every mortgage will qualify.

Could this be a step toward making homeownership more affordable?

10/25/2026

Why are bond yields starting to fall?

Concerns surrounding the AI boom could be pushing investors toward safer assets.

Billions have poured into AI, but questions remain about whether companies can generate enough revenue and profits to justify their massive investments.

We're seeing comparisons to the dot-com bubble of the early 2000s, when investment outpaced sustainable growth.

As uncertainty increases, investors may shift toward safer assets like U.S. Treasury bonds, pushing yields lower.

Is the AI bubble starting to crack, or is this just the beginning?

10/25/2026

Is the S&P 500 hiding a bear market?

While the index trades near record highs, a report from The Kobeissi Letter highlights a concerning trend:

59% of S&P 500 stocks have fallen more than 20% from their highs, with 17% down over 50%.

It's being called a "stealth bear market" — where the overall index looks strong, but many individual stocks are struggling.

Is this a warning sign of a bigger correction or a historic buying opportunity?

10/24/2026

Is a bigger stock market correction coming?

Wall Street is warning of a potential "stealth bear market," where major indexes remain elevated while individual stocks experience significant declines.

With AI valuations under pressure, uncertainty surrounding the S&P 500, and midterm elections approaching, investors have plenty of reasons to remain cautious.

The question is: Can the market sustain these valuations, or is a bigger correction ahead?

Are you bullish or bearish?

10/24/2026

Could interest rates drop before the midterm elections?

As elections approach, the economy becomes a major focus. And for millions of Americans, the reality is simple: **the cost of living is becoming harder to manage.**

High mortgage rates, rising expenses, and families living paycheck to paycheck are putting pressure on household finances.

Historically, voters have placed significant weight on how the economy feels today, not necessarily where it might be years from now.

The question is: Could mounting economic and political pressure influence the push for lower interest rates?

Because when people head to the polls, their financial reality matters.

10/19/2026

🏡 NEW PRICE: $319,900 🏡
818 N 34th St, Bismarck, ND

4 beds · 2 baths · 1,824 sq ft on Bismarck's east side, and the big-ticket items are already done:

✅ New vinyl plank flooring upstairs
✅ New carpet on the stairs and in the basement
✅ New windows
✅ Roof is only 2 years old
✅ New water heater
✅ Heated garage
✅ Fully fenced yard

You get the updates without the project list or the move-in-ready premium. At this price, it's worth a look before the snow flies. ❄️

📲 Message me or call/text 701-934-3542 to schedule a private showing.

Noah Spitzer, REALTOR®
Realty ONE Group – Encore | 701-751-7040

Noah Spitzer | REALTOR®
Bismarck, ND 🏡
New Construction Specialist | Helping Buyers Build Smart
Real estate tips • New homes • Local insights

10/17/2026

Retail investors may be entering the AI boom too late.

Artificial intelligence isn't going anywhere. It's already integrated into our daily lives, from Google searches to ChatGPT, and its influence will only continue to grow.

But there's a difference between believing in a technology and buying into the hype surrounding it.

Institutional investors recognized AI's potential early, while many retail investors are entering after significant price increases.

The concern? Investors buying near market highs, mistaking temporary rebounds for buying opportunities, and potentially getting caught in a larger correction.

AI can revolutionize the world while AI stocks still experience a major market downturn.

Could 2027 be the year the AI market faces its biggest test?